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Conformity Of Shopee Paylater And Shopee Borrowing With Sharis Economic Principles In Digital Transactions Practices
Abstract
This research discusses the Shopee PayLater and Shopee Pinjam services on the Shopee e-commerce platform, viewed from the perspective of Islamic economic law. The main focus of this study is to identify the elements of usury in the payment and loan system offered by Shopee, and to assess the suitability of the view of these services with sharia principles, especially related to the qardh contract. This study uses a qualitative approach, which is a research method used to examine a phenomenon in natural conditions without intervention or manipulation from the researcher. The results of the analysis show that the existence of interest, administration fees, and late fees in both services contain elements of usury nasi'ah which is forbidden in Islam. Therefore, sharia-based solutions such as the use of interest-free qardh contracts, transparent murabaha, and the utilization of Islamic social funds such as zakat, infaq, and waqf (ZISWAF) are more suitable alternatives. In addition, increasing Islamic financial literacy is very important to educate the public so that they better understand the impact of usury and can switch to a financial system that complies with sharia.
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DOI: https://doi.org/10.20961/bfde.v6i1.104585
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